Your home may be listed or in a conservation area, it may have unusual or bespoke features and may be of non standard construction, all of which must be taken into account when calculating your buildings sum insured for rebuild. A standard insurance policy may not be suitable so it is important that a detailed valuation undertaken by a specialist is sought. Both the English Heritage and Historic Scotland websites may be able to confirm where your property is listed and if so the grade of listing applying. You will be asked for the listed building status of your property when obtaining a quotation.
All properties require regular maintenance, however older properties may need more attention and it should be noted that wear and tear is a general exclusion from home insurance policies.
